State credit union · ELLIS, Kansas · NCUA charter #67797
Ellis
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $5.4M
- Total assets
- 690
- Members
- 17.5%
- Net-worth ratio
Ellis - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67797 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Ellis - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)96
- Member growth33
- Liquidity (loan-to-share)74
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.53% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.53% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.46% | 15% |
| Member Growth | -2.27% | 15% |
| Loan-to-Share Ratio | 52.62% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.4M | 690 |
| 2024Q4 | $5.1M | 706 |
| 2023Q4 | $5.2M | 712 |
Credit Union Details
- Charter Number
- 67797
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Kansas
- City
- ELLIS
- Data Quarter
- 2025Q4
What This Data Says About Ellis
690 members and $5.4M in total assets sit behind Ellis, a state credit union in ELLIS, Kansas, which posts a health score of 85/100 (Excellent) on the five-factor composite, with $2.3M in outstanding loans as of Q4 2025 and a net worth ratio of 17.53% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67797 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 52.62% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 0.46% on net income of $25K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.27%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Ellis financially healthy?
Ellis has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.53% and delinquency rate of 0.00%.
How does Ellis compare to other credit unions?
Five weighted metrics from NCUA filings produce Ellis's 85/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Ellis?
Membership eligibility for Ellis depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Ellis directly for current membership requirements and application steps.
Is my money safe at Ellis?
Federal credit unions like Ellis are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Ellis's net worth ratio of 17.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ellis offer compared to banks?
Credit unions like Ellis are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Ellis directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.